VA and FHA Loans

Home Find a Mortgage VA and FHA Loans

Government-Backed mortgage loans

Options are important when you are looking for a home loan. As long as it’s your primary residence, a government-backed loan could mean a smaller down payment or no down payment at all. VA mortgages are backed by the US Department of Veteran Affairs and FHA mortgages are backed by the Federal Housing Administration.1,2

Contact our mortgage team to see if you qualify for a government-backed loan.

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  • VA: No down payment or monthly mortgage insurance required2
  • FHA: Lower credit expectations with a down payment as low as 3.5% (up to 4 units)2
Mortgage Calculator

Estimate Your Fixed-Rate Mortgage Payment

Use our calculator to make sure your new payment will fit into your budget. Enter the price of your home, the size of your down payment, your term, and interest rate and we’ll tell you how much you’ll pay on interest and principle.

Calculate Your Payment

Welcome Home, the Workers Way

Let a Workers Wayᵀᴹ financial coach help you create a personalized step-by-step plan to open the door to homeownership.

Convenient Online Payments

Pay your loan anytime from your online banking account or through the mobile app.3

Homeowner's Insurance

Workers Insurance Agency provides customizable coverage with flexible payment options.4

Government-Backed Mortgages

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Term
FHA
VA
USDA

1Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Annual Percentage Rate=APR.

2VA, FHA & USDA mortgages are not included in the GiveBack Program.

3Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

4Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a non-credit union subsidiary of Workers Credit Union are: NOT A DEPOSIT NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.